Mark Tomes at CEK Insurance said most people make the assumption that their insurance policies will replace everything lost in a storm, but in some cases, they won't.

He said many people only insure their homes for the value of the structure and not the cost of replacing everything inside.

He encouraged customers to meet with an agent and review the policies to make sure things like jewelry and electronics are covered.

Homeowners are also encouraged to keep an inventory of their belongings, big and little, and keep a copy of it somewhere outside the home, possibly a safety deposit box or a cloud-based online account.

Tomes also said it's a good idea to have a photographic record.

"You may want to stand in a room and take pictures of it for 360 degrees," he said. "When you're finished, put it someplace safe."

He said if a storm does cause damage, danger can lie in unexpected places.

"Don't sit on the couch because all of those little glass shards (may be) embedded in there," he said.